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Cheapest Car Insurance Quotes in Virginia

Auto-Owners offers the cheapest car insurance in Virginia, with an average monthly rate of $61 for liability coverage. Shop real-time quotes for Virginia and buy your policy all in one place with Insurify.

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Cheapest recent car insurance quotes in Virginia

Recent Virginia car insurance prices for Ford, Honda, Chevrolet , and more.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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  • Ph.D. in Computational Biology

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Cheapest car insurance quotes in Virginia

Virginia drivers pay an average of $108 per month for liability-only policies and $173 per month for full-coverage insurance. These premiums are in line with national average car insurance costs.

We’ve collected rates for 120+ companies in Virginia, and you can see the cheapest insurer for different types of drivers in the table below.

Driver Category
sort ascsort desc
Cheapest Insurance Company in Virginia
sort ascsort desc
Cheapest Monthly Quote in VA
sort ascsort desc
OverallAuto-Owners$61
State minimum coverageAuto-Owners$61
Full coverageAuto-Owners$99
Drivers with a clean recordAuto-Owners$61
After a speeding ticketState Farm$78
After an at-fault accidentAuto-Owners$80
After a DUIAuto-Owners$84
Teen/new driversState Farm$127
SeniorsAuto-Owners$48
Bad creditState Farm$89
Disclaimer: Table data is based on real-time Virginia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Virginia: Auto-Owners

Liability car insurance helps pay for the other party’s property damage and injuries if you cause an accident. But it won’t cover your vehicle damage or medical bills.

Virginians pay an average of $108 per month for liability insurance. You can find some of the cheapest liability rates in the state with Auto-Owners.

Here’s a look at the cheapest liability-only car insurance quotes in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$61
State Farm$62
USAA$84
Mercury$85
Elephant$90
Chubb$92
Erie$96
CSAA$99
National General$106
Bristol West$107
Nationwide$109
GEICO$111
Insurify Car$114
Progressive$116
Direct Auto$117
GAINSCO$124
Safeco$125
Allstate$131
Dairyland$138
Root$141
Trexis$147
AssuranceAmerica$156
Liberty Mutual$159
The General$165
Trexis One$167
Clearcover$173
Travelers$175
Hugo$177
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Agent Tip: Is liability-only coverage enough protection?

Anuj Desai

Anuj Desai

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Digital Insurance Agent, Insurify

Having a policy with Virginia’s minimum liability coverage lets you drive legally. But if you cause a serious accident, minimum coverage often isn’t enough. You’d have to pay out of pocket if the damages you cause exceed your policy limits.

Cheapest full-coverage car insurance in Virginia: Auto-Owners

Full-coverage car insurance usually includes liability, collision, and comprehensive coverages. Virginia drivers pay a monthly average of $173 for full-coverage policies. Auto-Owners and State Farm offer some of the most affordable full-coverage policies in The Old Dominion.

The following data highlights the cheapest full-coverage car insurance rates in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$99
State Farm$101
USAA$136
Elephant$138
Progressive$143
Chubb$149
CSAA$150
Erie$155
Mercury$162
GEICO$166
Nationwide$177
Safeco$185
Bristol West$191
Direct Auto$194
National General$195
Liberty Mutual$209
Allstate$213
Root$221
GAINSCO$256
AssuranceAmerica$272
Trexis$284
Travelers$285
Clearcover$304
The General$308
Dairyland$319
Trexis One$358
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Virginia

Recent Virginia car insurance prices for GMC, Ford, Lexus , and more.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Insurify Car: One-week car insurance for Virginia drivers

If you’re looking for a flexible car insurance option in Virginia, Insurify Car is worth exploring. The insurer offers standard liability coverage that you pay for in seven-day increments. 

Insurify Car’s coverage is designed to get drivers the coverage they need to legally drive without a large down payment or monthly bill. When you buy your policy, you’ll be able to select a cancellation date or set up auto pay to keep your policy rolling from week to week.

Insurify Car might make sense if you only need minimum coverage and want to break up your car insurance costs into small, manageable weekly payments. 

Best cheap car insurance companies in Virginia

No single insurance company in Virginia will be the best for everyone. But some stand out above others. Below is a breakdown of the best car insurance companies in Virginia to help you start your search.

Auto-Owners: Best for full coverage in Virginia

User Reviews
4.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
4.3
Best choice in VirginiaBased on 313 verified driver reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best in Virginia for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best in Virginia for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 146 Auto-Owners reviews
Wayne
Verified Review
Cost too much for someone who never had a claim
Reviewed in Florida on March 2, 2026
Never had a claim.
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you prefer additional protection behind the wheel, a full-coverage policy from Auto-Owners may be worthwhile. Auto-Owners offers some of the cheapest full-coverage premiums in Virginia, and you can further your savings through a variety of car insurance discounts, such as a safety-feature or multi-car discount.

Pros
  • Local agents throughout Virginia

  • Offers accident forgiveness

  • Special coverage for modified vehicles

Cons

Elephant: Best for high-risk drivers in Virginia

User Reviews
3.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.6 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$90/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo
3.9
A solid option in VirginiaBased on 173 verified driver reviews and ratings
How drivers feel about Elephant

Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.

AI-generated from the text of verified reviews collected by Insurify
Best in Virginia for
Optional coverages
Good drivers
Numerous discounts
How drivers feel about Elephant

Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.

AI-generated from the text of verified reviews collected by Insurify
Best in Virginia for
Optional coverages
Good drivers
Numerous discounts
Showing 3 reviews from Virginia drivers - See all 75 Elephant reviews
Nyree
Verified Purchase
Discounts for safe drivers are always welcome
Reviewed in Virginia on December 22, 2025
Okay for the high inflated pricing right now. They’re the only ones that decreased my premium for excellent driving recently.
Shamika
Verified Review
High Prices and Mandatory Auto Pay
Reviewed in Virginia on April 9, 2025
I would not recommend my family to insure their cars with Elephant.
John
Verified Review
Good Insurance
Reviewed in Virginia on March 31, 2025
Elephant is great. I'm at a point in my life where I need to explore all options to maximize my budget.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.93
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

If you’re a high-risk driver in Virginia due to a traffic violation, such as a driving under the influence (DUI) conviction or speeding ticket, you can find some of the lowest rates from Elephant. The insurer also advertises unique discounts, such as a discount if you work from home or are a homeowner.

Pros
  • Unique add-ons like pet injury coverage and legal coverage

  • Advertises flexible payment plans

  • High Trustpilot rating

Cons
  • Not rated by J.D. Power or AM Best

  • Fewer add-ons than competitors

  • No rideshare insurance

State Farm: Best for teen and young drivers in Virginia

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$101/mo
4.0
Best choice in VirginiaBased on 15,982 verified driver reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best in Virginia for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best in Virginia for
Customer service
Competitive rates
Discounts for safe drivers
Showing 45 reviews from Virginia drivers - See all 7,209 State Farm reviews
Larry
Verified Review
Not pleased that State Farm is overpriced
Reviewed in Virginia on March 12, 2026
Shop around. State Farm is high but good.
Sandra
Verified Review
So Far Good Experience
Reviewed in Virginia on March 10, 2026
My experience was good. I have a problem using the app.
Holly
Verified Review
Frustrated Customer
Reviewed in Virginia on February 27, 2026
My policy increased consistently, even with no accidents and no tickets. Then when I had an accident, they dropped my coverage.
Richard
Verified Review
When you want to save money
Reviewed in Virginia on February 26, 2026
State Farm is good but has gotten expensive.
Robert
Verified Review
State Farm Ripoff
Reviewed in Virginia on February 19, 2026
They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.
Bernard
Verified Review
My State Farm Agency Settlement of Minor Vehicle Bump
Reviewed in Virginia on February 16, 2026
I had a very minor bump at the local landfill with another vehicle last fall. Whether I was at fault was very questionable. I was never notified by State Farm about any settlement.
Jodi
Verified Review
Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.
Reviewed in Virginia on January 9, 2026
Too expensive for a 2013 car. More than my health insurance. Actively looking for another cheaper insurance.
John
Verified Review
The Good, the Bad, and the Ugly
Reviewed in Virginia on January 5, 2026
I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.
Robert
Verified Review
5 Stars
Reviewed in Virginia on January 2, 2026
Always the best service and gives me the best discounts. Very excellent. 5 stars.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm offers affordable car insurance premiums for teens and young drivers in Virginia. If you’re younger than 25, you can sign up for the company’s Steer Clear program to practice safe driving and secure a discount. The car insurance company also advertises teen-specific discounts, like a good student discount and a student away at school discount.

Pros
  • Local car insurance agents in Virginia

  • Above-average J.D. Power rating in Virginia

  • Highly rated mobile app

Cons
  • Fewer coverage options than other insurers

  • Poor Trustpilot rating

  • Not accredited by the Better Business Bureau (BBB)

How car insurance costs in Virginia have changed

Over the past couple of years, car insurance costs in Virginia have remained relatively stable. Rates averaged $2,300 annually in 2024, and by the end of 2025, premiums in the state averaged $2,301 per year.

Virginia drivers could see a rate hike of 1.1% when 2026 comes to a close, with an average annual cost of $2,325, according to an Insurify auto report.

Average car insurance costs in Virginia over time

The chart below shows car insurance rates in Virginia over the last five years.

Average Virginia Car Insurance Rates Over the Past Five Years

Rates in this chart are five-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.

Find Cheap Car Insurance in Virginia

Liability rates start at $61 per month

Excellent
4.7 out of 5 based on 12,610 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Virginia car insurance requirements

Virginia raised its minimum coverage limits as of Jan. 1, 2025. Below are Virginia’s minimum auto insurance requirements for all policies effective on or after Jan. 1, 2025:[1]

  • Bodily injury liability: $50,000 per person and $100,000 per accident

  • Property damage liability: $25,000 per accident

The Commonwealth of Virginia uses an Insurance Verification Program to electronically verify that Virginia-registered vehicles meet minimum liability insurance requirements.[2]

Car insurance rates across Virginia cities

From the shores of the Chesapeake Bay to the peaks of the Blue Ridge Mountains, Virginians face diverse driving environments and behind-the-wheel risks. Richmond and Woodbridge residents face some of the highest auto insurance premiums in the state, while drivers in Bristol and Christiansburg generally pay the lowest rates.

Here’s an overview of the average car insurance costs in Virginia, broken down by city.

Disclaimer: Table data is based on real-time Virginia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Virginia for drivers with a clean record: Auto-Owners

Virginia residents with a clean driving record pay an average of $108 per month for minimum liability coverage.

Here’s a look at the cheapest car insurance rates for drivers with good credit and a clean driving history in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$59
Auto-Owners$59
USAA$80
Mercury$83
Chubb$85
Elephant$87
Erie$90
National General$97
Nationwide$102
Bristol West$103
CSAA$104
GEICO$109
Direct Auto$112
Insurify Car$113
Progressive$115
GAINSCO$118
Allstate$128
Dairyland$129
Safeco$133
AssuranceAmerica$137
Root$140
Trexis$146
The General$156
Trexis One$166
Liberty Mutual$166
Travelers$167
Clearcover$177
Hugo$178
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Virginia for drivers with a speeding ticket: State Farm

In Virginia, if you drive 20 or more miles per hour above the speed limit, or you’re driving faster than 85 mph, authorities can charge you with reckless driving.[3]

Virginians with a speeding ticket can find the lowest average premiums through State Farm and Auto-Owners.

This data shows the cheapest car insurance costs for drivers with a speeding ticket in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$78
Auto-Owners$79
Elephant$107
USAA$108
Chubb$117
Mercury$118
CSAA$126
Erie$126
National General$131
Bristol West$134
Nationwide$141
Insurify Car$142
Progressive$144
GEICO$145
Direct Auto$146
GAINSCO$147
Safeco$164
Allstate$170
Dairyland$172
Trexis$183
Root$187
AssuranceAmerica$198
Liberty Mutual$201
Trexis One$208
The General$220
Clearcover$223
Hugo$226
Travelers$226
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Affordable car insurance in Virginia with an at-fault accident: Auto-Owners

Virginia law requires drivers to report car accidents to law enforcement if the accident resulted in any injury, death, or vehicle or property damage.

The average liability car insurance rate for drivers in Virginia with an at-fault accident on their record is $140 per month.

Below, you’ll find the lowest premiums for Virginia drivers with an at-fault accident.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$80
State Farm$81
USAA$111
Elephant$116
Chubb$121
Erie$126
Mercury$127
Bristol West$139
National General$139
GEICO$143
CSAA$144
Nationwide$145
Insurify Car$147
Progressive$150
GAINSCO$157
Direct Auto$158
Safeco$173
Allstate$174
Dairyland$181
Root$186
Trexis$190
AssuranceAmerica$205
Liberty Mutual$209
Trexis One$216
Hugo$222
The General$225
Travelers$233
Clearcover$250
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes for Virginia drivers with a DUI: Auto-Owners

Virginia imposes serious penalties on drivers with DUI convictions. A first offense leads to a minimum fine of $250 and driver’s license revocation for one year.[4] Virginia drivers with a DUI on their record pay a monthly average of $136 for a liability-only policy.

Here are the cheapest rates for drivers with a DUI in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$84
State Farm$85
USAA$116
Mercury$122
Elephant$124
Chubb$127
Erie$131
CSAA$136
Insurify Car$144
National General$146
Progressive$147
Bristol West$147
Nationwide$150
GEICO$151
Direct Auto$161
GAINSCO$171
Allstate$180
Safeco$183
Trexis$186
Dairyland$190
Root$195
Trexis One$211
AssuranceAmerica$215
Liberty Mutual$219
The General$227
Clearcover$238
Travelers$241
Hugo$243
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an FR-44 in Virginia: Auto-Owners

In Virginia, high-risk drivers may need to submit an FR-44 insurance certificate to the state proving they meet minimum car insurance requirements. You may be required to keep an FR-44 on file for a certain period of time for things like unsatisfied judgments, failure to provide proof of insurance, or driver’s license suspension.[5]

The average monthly car insurance cost for Virginia residents with an FR-44 insurance requirement is $129.

This data highlights the lowest premiums for drivers with an FR-44 in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$73
State Farm$74
USAA$101
Mercury$102
Elephant$108
Chubb$110
Erie$115
CSAA$118
National General$127
Bristol West$128
Nationwide$130
GEICO$133
Insurify Car$136
Progressive$139
Direct Auto$140
GAINSCO$148
Safeco$150
Allstate$157
Dairyland$165
Root$169
Trexis$176
AssuranceAmerica$187
Liberty Mutual$190
The General$197
Trexis One$200
Clearcover$207
Travelers$209
Hugo$212
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Compare Virginia Car Insurance Quotes

Liability rates for high-risk drivers average $129 per month

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Cheapest car insurance for teen drivers in Virginia: State Farm

Teen drivers in Virginia can get their learner’s permit at 15 years and 6 months. Once they turn 16 years and 3 months, they’ll qualify for their driver’s license. Drivers younger than 18 must complete a state-approved driver education program and provide written consent from a parent or legal guardian.[6]

Teen drivers in Virginia pay monthly averages of $218 for liability coverage and $349 for full coverage.

Here are the cheapest car insurance rates for teen drivers in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$127
Auto-Owners$129
USAA$164
Mercury$166
Elephant$168
CSAA$175
Erie$186
Chubb$200
Bristol West$202
GEICO$210
Nationwide$224
National General$226
Insurify Car$230
Progressive$234
Direct Auto$237
GAINSCO$239
Dairyland$251
Root$258
Safeco$265
Allstate$273
Liberty Mutual$296
Trexis$297
Clearcover$303
The General$306
Hugo$308
Trexis One$337
AssuranceAmerica$340
Travelers$382
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes in Virginia for senior drivers: Auto-Owners

In Virginia, 15% of the population is age 60 or older. Senior drivers in Virginia pay average monthly car insurance premiums of $93 for liability policies and $148 for full-coverage policies.

Below are the lowest auto insurance rates for senior drivers in their 60s in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$48
State Farm$49
Mercury$68
USAA$68
Chubb$69
Erie$73
Elephant$74
CSAA$79
National General$83
Nationwide$83
GEICO$88
Bristol West$89
Direct Auto$94
Insurify Car$98
Progressive$100
GAINSCO$105
Allstate$106
Safeco$109
Dairyland$116
Root$117
AssuranceAmerica$121
Trexis$126
Liberty Mutual$132
The General$138
Travelers$139
Trexis One$143
Hugo$152
Clearcover$152
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

Virginia car insurance quotes with bad credit: State Farm

In Virginia, drivers with bad credit can find some of the most affordable car insurance coverage through State Farm and Auto-Owners.

Below are the lowest premiums for drivers with bad credit in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$89
Auto-Owners$91
USAA$103
Mercury$104
Elephant$111
CSAA$118
National General$131
Bristol West$132
Nationwide$134
GEICO$137
Erie$140
Insurify Car$143
Direct Auto$144
Progressive$145
Chubb$147
GAINSCO$153
Safeco$154
Allstate$161
Dairyland$170
Root$174
Trexis$184
Liberty Mutual$190
AssuranceAmerica$192
The General$203
Trexis One$209
Clearcover$213
Travelers$215
Hugo$218
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.

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Virginia car insurance FAQs

If you’re shopping for cheap car insurance in Virginia, the additional information below can help as you research policy and coverage options.

  • Which company has the cheapest car insurance in Virginia?

    Auto-Owners has the cheapest car insurance in Virginia, according to Insurify data. Its liability policies cost $61 per month, on average.

  • How much does car insurance cost in Virginia?

    Car insurance in Virginia averages $108 per month for liability coverage and $173 per month for full coverage, Insurify data shows.

  • Is The General a good car insurance company for Virginia drivers?

    If you have incidents on your driving record in Virginia, The General might be a good choice since it works with high-risk drivers and has a strong ability to pay claims. But it’s not the cheapest insurer, so if you have a clean driving record, you’ll likely find better coverage elsewhere.

  • Does State Farm offer gap insurance in Virginia?

    No. State Farm doesn’t offer traditional gap insurance in Virginia or any other state. It does offer Payoff Protector coverage if you have a loan originated by State Farm Bank. Payoff Protector pays the difference between your outstanding loan balance and the amount your insurer pays if your vehicle is a total loss.

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Virginia Department of Motor Vehicles. "Insurance Requirements."
  2. Virginia Department of Motor Vehicles. "Insurance Verification - General Information."
  3. Virginia Department of Motor Vehicles. "Speed Limits."
  4. Virginia Department of Motor Vehicles. "Virginia is Tough on Drunk and Drugged Drivers."
  5. Virginia Department of Motor Vehicles. "Financial Responsibility Certifications."
  6. Virginia Department of Motor Vehicles. "Driver License Eligibility Requirements."
Anna Baluch
Written byAnna BaluchAuto and Home Insurance Writer
Photo of an Insurify author
Anna BaluchAuto and Home Insurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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